本文關(guān)鍵詞： 資源型銀行 比較優(yōu)勢(shì) 畢節(jié)試驗(yàn)區(qū) 西部大開發(fā) 資源稟賦　出處：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著社會(huì)經(jīng)濟(jì)的進(jìn)一步發(fā)展,金融機(jī)構(gòu)競(jìng)爭(zhēng)日趨激烈,在金融產(chǎn)品同質(zhì)化嚴(yán)重,金融機(jī)構(gòu)特色化相對(duì)缺乏,金融需求多樣化呈現(xiàn)的新形勢(shì)下,要擺脫多年來過度競(jìng)爭(zhēng)的“紅�！蹦Ｊ�,選擇適合自身的“藍(lán)海”策略,貴州畢節(jié)農(nóng)行需要在充分論證和深入思考的前提下,結(jié)合自身特色、當(dāng)?shù)卣邇?yōu)勢(shì)和資源條件,揚(yáng)長(zhǎng)避短,因地制宜,契合資源稟賦,充分發(fā)揮畢節(jié)農(nóng)行比較優(yōu)勢(shì),不斷提升核心競(jìng)爭(zhēng)力和價(jià)值創(chuàng)造力,逐漸形成自己的經(jīng)營(yíng)特色和更優(yōu)的發(fā)展模式,在一定時(shí)期內(nèi)把畢節(jié)農(nóng)行建設(shè)成資源型信貸資產(chǎn)占主導(dǎo)地位的資源型銀行。 貴州畢節(jié),作為資源富集的西隅之地,由于歷史、地理等原因,其沒有得到有效的開發(fā),社會(huì)、經(jīng)濟(jì)等從全國(guó)范圍來看發(fā)展相對(duì)滯后。近二十年來在中央各部委、省委、省政府關(guān)心支持下,畢節(jié)得益于“試驗(yàn)區(qū)”政策優(yōu)勢(shì),正在加快自身資源的開發(fā)和利用水平,提高資源的使用效率和循環(huán)利用,建設(shè)獨(dú)具特色的新型資源經(jīng)濟(jì),并已取得經(jīng)濟(jì)社會(huì)健康發(fā)展的初步成效。近十年來,畢節(jié)經(jīng)濟(jì)增長(zhǎng)已進(jìn)入相應(yīng)的成長(zhǎng)階段,與2002年相比,畢節(jié)全市生產(chǎn)總值由138.65億元增長(zhǎng)到2012年的877.96億元,增長(zhǎng)幅度達(dá)533.22%；財(cái)政收入從2002年17.24億元增長(zhǎng)到2012年的247.71億元,增長(zhǎng)幅度達(dá)1336.83%。 本文正是以此為背景,利用EMBA所學(xué)的經(jīng)濟(jì)管理理論,在比較畢節(jié)農(nóng)行自身優(yōu)勢(shì)的前提下,力求尋找到一條與社會(huì)發(fā)展相協(xié)調(diào)、與政府規(guī)劃相適應(yīng)、在同業(yè)中具有競(jìng)爭(zhēng)力的特色發(fā)展道路：其一是有利于轉(zhuǎn)變畢節(jié)農(nóng)行自身發(fā)展模式,為新一輪的市場(chǎng)競(jìng)爭(zhēng)設(shè)計(jì)更好的發(fā)展思路；二是發(fā)揮農(nóng)業(yè)銀行更好地支持地方經(jīng)濟(jì)建設(shè)的主力作用；三是能形成一種新的發(fā)展戰(zhàn)略和核心競(jìng)爭(zhēng)力,為金融機(jī)構(gòu)因地制宜選擇性的進(jìn)行市場(chǎng)開拓提供借鑒。 基于此,本論文主要分為5個(gè)主要部分： 第一部分,緒論,主要介紹本文的選題背景、研究?jī)?nèi)容、研究方法和研究邏輯,以及論文的貢獻(xiàn)與不足； 第二部分,主要從畢節(jié)經(jīng)濟(jì)概況、資源經(jīng)濟(jì)優(yōu)勢(shì)、有利的政策支持、快速發(fā)展的經(jīng)濟(jì)以及區(qū)位優(yōu)勢(shì)等方面說明了建設(shè)資源型銀行的基礎(chǔ)及條件； 第三部分是對(duì)畢節(jié)農(nóng)行及全市主要金融機(jī)構(gòu)的比較分析,該部分內(nèi)容涉及了畢節(jié)農(nóng)行概況、畢節(jié)農(nóng)行業(yè)務(wù)發(fā)展現(xiàn)狀分析以及全市金融機(jī)構(gòu)比較分析,通過分析得出畢節(jié)農(nóng)行具有政策優(yōu)勢(shì)、網(wǎng)點(diǎn)優(yōu)勢(shì)、人員優(yōu)勢(shì)以及業(yè)務(wù)發(fā)展優(yōu)勢(shì),同時(shí)也指出畢節(jié)農(nóng)行在發(fā)展過程中存在的短板； 第四部分主要介紹支撐建設(shè)資源型銀行的理論依據(jù)并對(duì)建設(shè)資源型銀行的可行性比較優(yōu)勢(shì)進(jìn)行了分析； 本文最后一部分,也是最重要的一部分,對(duì)建設(shè)資源型銀行的相應(yīng)措施進(jìn)行了闡述,這其中有關(guān)于建設(shè)資源型銀行相關(guān)政策理論依據(jù)的論述,有關(guān)于農(nóng)行建設(shè)資源型銀行行業(yè)信貸政策措施,有涉及人才隊(duì)伍的建設(shè),有關(guān)于建立考核機(jī)制的探索,也有提升農(nóng)行價(jià)值創(chuàng)造和加強(qiáng)風(fēng)險(xiǎn)防范的要求。 本文的創(chuàng)新之處在于,提出了“資源型銀行“這一概念,這是在銀行傳統(tǒng)業(yè)務(wù)受到極大沖擊,銀行慣有經(jīng)營(yíng)發(fā)展模式已不能適應(yīng)新的發(fā)展條件及對(duì)金融如何服務(wù)經(jīng)濟(jì)提出的,這不是臆造的詞語,而是在充分認(rèn)清畢節(jié)試驗(yàn)區(qū)經(jīng)濟(jì)發(fā)展方向及區(qū)內(nèi)豐富的資源條件后,結(jié)合畢節(jié)農(nóng)行自身發(fā)展要求提出的概念。 在本文的分析過程中,將實(shí)證研究與規(guī)范分析相結(jié)合,重點(diǎn)采用了文獻(xiàn)分析、理論分析和案例分析等多種方法。資料數(shù)據(jù)主要來源于政府官方網(wǎng)站、畢節(jié)農(nóng)行經(jīng)審核對(duì)外發(fā)布的數(shù)據(jù)以及專業(yè)期刊雜志和專著等。本文的理論工具主要借鑒大衛(wèi)·李嘉圖的比較優(yōu)勢(shì)理論,在對(duì)畢節(jié)的資源優(yōu)勢(shì)進(jìn)行充分的論述后,得出畢節(jié)農(nóng)行在資源型行業(yè)金融產(chǎn)品經(jīng)營(yíng)上具有比較優(yōu)勢(shì)的結(jié)論,即如果畢節(jié)農(nóng)行能針對(duì)我國(guó)當(dāng)前經(jīng)濟(jì)轉(zhuǎn)型、資源日益匱乏的大時(shí)代背景,部署到位、措施得力,畢節(jié)農(nóng)行將利用當(dāng)?shù)刭Y源優(yōu)勢(shì)轉(zhuǎn)化為經(jīng)濟(jì)優(yōu)勢(shì)這一契機(jī),大力拓展資源型金融產(chǎn)品和服務(wù)的領(lǐng)域,增加相關(guān)金融創(chuàng)新的力度,創(chuàng)造更大更好的未來發(fā)展空間,這對(duì)比較優(yōu)勢(shì)理論在具體企業(yè)發(fā)展中的應(yīng)用做出了有特色的論證。 當(dāng)然,由于筆者本人長(zhǎng)期從事金融管理事務(wù)操作,學(xué)識(shí)、理論水平有限,以及作為畢節(jié)農(nóng)行負(fù)責(zé)人工作異常繁忙,加之在論文寫作期間由于工作繁忙未能涉獵更多的文獻(xiàn),展開更深入的分析研究,論文必然存在很多不足之處。本人將在下一步的研究中,積極收集素材,豐富文獻(xiàn)資料,力求在文章理論分析部分更加深入和充分,在對(duì)策建議部分更有針對(duì)性和可操作性,更好的服務(wù)于實(shí)際工作。同時(shí),對(duì)如何將資源資產(chǎn)化、資產(chǎn)金融化,并盤活資產(chǎn)存量；如何在人民銀行及監(jiān)管部門現(xiàn)有的政策條件下創(chuàng)新開發(fā)相關(guān)金融產(chǎn)品和金融服務(wù),助推企業(yè)更好地利用資源、實(shí)現(xiàn)資源的潛在市場(chǎng)價(jià)值,將是筆者未來的研究重點(diǎn)。
[Abstract]:With the further development of the social economy , the competition of financial institutions becomes more and more intense . Under the new situation that the homogeneity of the financial products is serious , the financial institution ' s specialization is relatively short and the diversification of the financial needs is diversified , it is necessary to get rid of the over - competitive " blue sea " strategy for many years , combine with its own characteristics , local policy advantages and resource conditions , give full play to the comparative advantage of the whole set of agricultural lines , continuously improve the core competitiveness and the value creativity , gradually form its own business characteristics and the better development mode , and build the Bijie Agricultural Bank into a resource - type bank which dominates the resource - type credit assets in a certain period . In recent 20 years , the economic growth of Bijie has entered the corresponding growth stage . In recent ten years , Bijie economic growth has entered the corresponding growth stage . In recent ten years , Bijie ' s economic growth has entered the corresponding growth stage . In recent ten years , Bijie ' s economic growth has grown from 138 . 6.5 billion yuan to 879.96 billion yuan in 2012 , with a growth rate of 533 . 22 % ; and the increase of fiscal revenue from RMB 17.24 billion yuan in 2002 to 247.71 billion yuan in 2012 , with a growth rate of 1336.83 % . Based on this background , using the economic management theory of EMBA , the author tries to find a way to develop a new development strategy and core competence for the new round of market competition . Based on this , the thesis is divided into five main parts : The first part , introduction , mainly introduces the background , research content , research methods and research logic of this paper , as well as the contribution and deficiency of the thesis . The second part , mainly from Bijie ' s economic situation , resource economic advantage , favorable policy support , rapid development economy and location advantage , etc . , illustrates the foundation and conditions of the construction of resource - based banks ; The third part is the comparative analysis of Bijie Agricultural Bank and the main financial institutions of the whole city . This part deals with the general situation of Bijie Agricultural Bank , the analysis of the current situation of Bijie Agricultural Bank ' s business development and the comparative analysis of the financial institutions of the whole city . Through the analysis , it is concluded that the Bijie Agricultural Bank has the advantages of policy advantage , net point advantage , people ' s advantage and business development advantage , and also points out that the short board existed in the development process of Bijie Agricultural Bank ; The fourth part mainly introduces the theory basis of supporting construction resource bank and analyzes the advantages of the feasibility comparison of construction resource bank . The last part of this paper is also the most important part , expounds the corresponding measures of the construction resource - based bank , including the discussion about the relevant policy theory of the construction resource - based bank , the construction of the talent team , the exploration of the establishment of the assessment mechanism and the requirement of raising the value of the agricultural bank and strengthening the risk prevention . The innovation of this paper is that the concept of " resource bank " is put forward , which is a great impact on the traditional business of the bank , which has not been adapted to the new conditions of development and how to serve the economy . This is not a speculative word , but a concept proposed by the development of Bijie Agricultural Bank after fully recognizing the direction of economic development in Bijie test area and abundant resource conditions in the region . Based on the comparative advantage theory of David Ricardo , the author draws a conclusion that Bijie Agricultural Bank has a comparative advantage in the management of financial products in the resource - based industry , which is based on the comparative advantage theory of David Ricardo . In the next study , the author will actively collect the material and enrich the literature , try to develop the relevant financial products and financial services under the existing policy conditions of the People ' s Bank and the supervision department , and help the enterprises to develop the relevant financial products and financial services under the existing policy conditions of the People ' s Bank and the regulatory authorities .

【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

【相似文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 袁發(fā)輝;把畢節(jié)農(nóng)行建設(shè)成資源型銀行策略研究[D];西南財(cái)經(jīng)大學(xué);2013年

，

本文編號(hào)：1495647